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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant contribution per participant is in the bottom quintile of the peer cohort.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Auditor declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $6,479 | $38,969-83.4% | $109,313-94.1% | $55,167-88.3% |
| Participation rate | 35.1% | 58.2%-23.2pp | 71.3%-36.2pp | 69.0%-33.9pp |
| Annual return | 10.21% | 8.26%+2.0pp | 22.07%-11.9pp | 169.23%-159.0pp |
| Employer contribution / active EE | $430 | $1,227-64.9% | $3,892-89.0% | $1,963-78.1% |
| Participant deferral / active EE | $718 | $2,176-67.0% | $3,166-77.3% | $3,054-76.5% |
| Admin fee / account holder | $8 | $501-98.4% | $5,666-99.9% | $504-98.5% |